Anatomy of a Debt Collector
Generally, Debt Collectors use fear, guilt and intimidation to pry your hard earned money out of your hands anyway they can. They’ll convince you to pay a credit card over your mortgage. They’ll lie to you about what will happen if you don’t pay. They’ll improperly use legal words to sound official without knowing what they are even saying. They’ll reach out to you at first pretending to be your friend – offering to “help you” with your situation. THEY ARE NOT YOUR FRIENDS. Make sure you unravel them for what they are. They are deceitful extensions of the company you owe money to and are most often willing to do and say ANYTHING to get paid.
Fortunately, we can help. The Fair Debt Collections Practices Act is a Federal Law that protects you!
We have a puzzle for you.
What do the following statements have in common?
- “You said you had life insurance, why don’t you literally go and shoot yourself in the head so your family can collect the proceeds and use the insurance money to dig themselves out of this hole you’ve put them into!”
- “Did you know that not paying your debts is Illegal? If you don’t send us a payment over the phone right now we’re going to send the Police over to arrest you for “theft by deception!”
- “Hopefully your father is dead so he doesn’t have to see the shadow of a man that you’ve become”
- “I have your address. I know where you live. In fact, I could hop on a plane and within two hours be standing on your door step. Do you want that to happen? Do you want me to show you what I can do? Either pay me today or I’ll be at your doorstep before you know it. Although my job is to get paid, a part of me hopes that you don’t pay so we can have the opportunity to get to “know” each other a little better.”
These are all direct quotes that we’ve heard debt collectors say to our clients over the years. These disgusting tactics are against the law. Allow us the opportunity to explain and enforce your rights.
The Fair Debt Collection Practices Act (FDCPA) was passed by Congress to prevent Debt Collectors from stepping over the line while collecting debts. The basic premise of the statute is that while Congress understands that we should pay our debts if at all possible, at the same time, Debt Collectors should not treat those that are unable to pay disrespectfully. The law provides for immediate compensation for you if the debt collectors violated the law. Therefore, if you think a debt collector might have crossed the line, reach out to us. We can tell you in under two minutes whether or not we can likely put some cash in your hand.
Examples of FDCPA Violations:
1. Calling you at work after you asked them to stop.
2. Contacting your friends and family members in an attempt to get you to pay.
3. Disclosing to anyone that you owe a debt.
4. Threatening anything “legal” against you if they are not an attorney
5. Attempting to contact you once you’ve retained an attorney.
6. Harassing, insulting, or verbally abusing you.
7. Calling repeatedly on the same day
8. Not disclosing to you that they are a debt collector during every communication.
The list above contains examples, just because its not listed doesn’t mean the debt collector hasn’t violated Federal Law. So, please don’t be shy in contacting us. Debt Collectors don’t think you’re smart enough to know and enforce your rights. Show them that not only was their conduct wrong, but so was their assumption that you wouldn’t do anything about it. Enforce your rights. While doing so, we’ll get you some cash if we can!
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